start looking at your federal and state income tax. look at your mouth the car bill look at your monthly maintenance bill. the most is the expensive part were made in it as insurance spirit the united states is short-term basis. 60¢ a mile, $9,100 a year you have to save for retirement before you do anything else because your money goes fast. this is just an example of it. a lot of people would not think it cost almost $10,000 are critical. >> you're asking a student would cost gold to collapse. amateurs. >> a big nuggets of gold someone is putting on your desk. that is not collapsing was collapsing is et at exchange rate. the mutual funds tied to gold. a lot of images are in them margent up. there is margin cost. 14 percent drop in two days i've never seen anything like that. gold has been crushed. i expected to go a bit lower. this gold probably more attractive than exchange traded mutual funds. >> thank you robyn. if you have a question posted on his face book and page you will answer it on kron 4. >> the time is 917 we want to get